Questions for your doctor may help you understand the treatment, and, if necessary, decide on a specialist. Practical issues you may also like to consider are which hospital(s) a particular doctor operates from, and their fees.

Your referral can be transferred to any specialist you choose, as long as they’re in the same medical field. Alternatively you can ask your GP to write an ‘open referral’ where they don’t specify a particular specialist. A valid referral needs to include:

*Participation in HCF’s medical gap initiative is at the doctor’s discretion. We can’t guarantee all doctors will participate in our gap arrangements for all members or services. Where you will incur any out-of-pocket costs the doctor(s) should advise you of these costs and obtain your consent to charge you so you can make an informed decision before going ahead with the procedure. Members are encouraged to confirm with their doctor(s) whether they will use HCF’s medical gap initiatives for their treatment.

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questions for your specialist

IMPORTANT INFORMATION

Information is provided by HCF in good faith for the convenience of members. It is not an endorsement or recommendation of any form of treatment nor is it a substitute for medical advice, and you should rely on the advice of your treating doctors in relation to all matters concerning your health. Every effort has been taken to ensure the accuracy of the information, however HCF takes no responsibility for any injury, loss, damage or other consequences of the use of this information.